The single euro payments area (SEPA) harmonizes the way cashless euro payments are made across Europe. It allows European consumers, businesses, and public administrations to make and receive the following types of transactions under the same basic conditions (credit transfers, direct debit payments, card payments). This makes all cross-border electronic payments in euro as easy as domestic payments. SEPA covers the whole of the EU. It also applies to payments in euros in other European countries: Iceland, Norway, Switzerland, Liechtenstein, Monaco and San Marino.
Money and the idea of its exchange through payments have evolved a lot from the time of its inception. From goods to grain, from metal coins to paper, from bank accounts to e-wallets, money has taken various shapes, sizes, and forms. Payments evolved from a barter system (exchange of goods for grains) to the token system (exchange of coins and cash on paper) to cash pooling (bank accounts and deposits) to cashless payments (credit cards, checks, e-wallets). Over the last decade or so, payment technologies have grown at a dizzying pace.
Credit card Network/Association Member: These entities operate the networks that process credit card payments worldwide and govern interchange fees. Examples of credit card networks are Visa, Mastercard, Discover and American Express. In the transaction process, a credit card network receives the credit card payment details from the acquiring processor. It forwards the payment authorization request to the issuing bank and sends the issuing bank’s response to the acquiring processor.
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If you’re planning to run a blog, a straightforward content website, or a website with a combination of functionalities — like a blog with a store — your best bet is probably a content management system like WordPress. This would provide a stable and flexible platform for doing a number of different common business activities online. Two other popular options in this category are Drupal and Joomla.
In this day and age, you don’t have to be a 5-star designer or experienced developer to have a website. That’s why man invented website builders — the time-saving, headache-free, web-design-for-dummies alternative to complex coding. You can point and click to add elements like photos or videos, type content into a visual editor, click one more button, and watch as it all magically appears live on the Internet. Seriously, these tools are brilliant, and it gets better:
You can also host your website on WordPress.com, but that's different from the kind of hosting mentioned above. WordPress.com uses the same code from WordPress.org, but it hides the server code and handles the hosting for you. In that sense, it resembles entries in our online site builder roundup. It's a simpler but less flexible and customizable way to approach WordPress hosting. It's definitely easier, but if you want to tinker and adjust and optimize every aspect of your site, it might not be for you.
Bluehost backs up your site on their cheapest plan. With their Choice Plus plan, you get CodeGuard included for free, which is a more customized, advanced backup tool. There are also plenty of other backup plugins you can use for websites like UpDraftPlus, VaultPress, and BackupBuddy. In the end, CodeGuard is not worth increasing your monthly cost and you can find better alternatives.
The company's entry-point pricing is extremely low -- we'd say it's among the cheapest web hosting when you first start -- and while this will buy you up to three years of very low-cost hosting, do be aware that its post-promotion price will increase substantially, putting its subsequent year pricing more in line with the rest of its competitors. That said, we liked its 24/7 phone customer support, SSD support on some plans and 30-day money-back guarantee.
Overlay OBeP Scheme: Similar to the Multi-Bank or Mono-Bank scheme, however, there is a third party (the overlay provider) who sits between the payment network and the consumer. The overlay provider requires the consumer to share their online banking credentials with them in order to have access to the consumer’s bank account and to initiate the credit transfer to the merchant. (e.g. SOFORT banking, or SOFORT Überweisung)
In particular, Web Hosting Hub uses BoldGrid as a site builder. BoldGrid is actually an add-on to WordPress, so there's no lock-in. This overcomes the major problem of most site builders: you're locked into that host and that tool, often requiring you to completely rebuild your site if you want to expand. By using a WordPress-based solution, all of the rather considerable power of a WordPress site is available for future expansion.
You get other customer-centric bonuses for 24/7 customer support, including 24/7 toll-free callback phone support, free domain name and SSL certificates for as long as you remain a MochaHost customer, a website builder with 500 free templates (and a service that will custom-design your site if you need) and a site migration service. In addition, all plans are e-commerce ready and come with free shopping cart software.
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